A registered representative that wishes to recommend a variable annuity to a customer must make reasonable efforts to obtain the customer's:

I liquidity needs

II investment time horizon

III existing assets including insurance holdings

IV intended use of the variable annuity

A. I and II only

B. III and IV only

C. I, II, III only

D. I, II, III, IV

D. I, II, III, IV

1.  liquidity needs

2.  investment time horizon

3.  existing assets including insurance holdings

4.  intended use of the variable annuity

Explanation:

Before a registered representative gives recommendation on a variable annuity, the following actions amongst others should have been taken:

1. investment time horizon

2. liquidity needs

3. intended use of the deferred annuity

4. existing assets including life insurance

5. investment experience

6. investment objectives

8. obtain the customer's age,

9. annual income

10. financial situation and needs

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